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Innovation is part of our DNA. We continuously seek ways to enhance the mortgage experience for our clients. Our state-of-the-art online application process, secure document management, and digital communication options offer a seamless, paperless mortgage journey. With AAA LENDINGS, you can expect a modern, efficient, and secure mortgage lending experience that keeps up with the fast-paced world of technology. Your convenience and security are paramount to us. Top Wholesale Lender , Borrowers Certification And Authorization , Conventional Loan Closing Costs , We understand that homeownership is a significant investment, and you want to be sure you're making the right choice. That's why we offer pre-approval services that capture your interest. Our pre-approval process is fast and straightforward, providing you with a clear picture of your borrowing capacity. With this information in hand, you can confidently explore the real estate market, knowing that you're a serious and qualified buyer.
– AAA Lendings Portfolio Program – AAA Lendings Detail:

Portfolio Program

Overview

Portfolio Bank Statement
Portfolio DSCR
Portfolio Foreign National DSCR

* Retail Only

Details

1) 5/6 ARM 30 Day Average SOFR (5/1/5);
2) Buydown ratio under par 1:2;
3) Range of Loan Amount $500,000 – $5,000,000.

* Buyup ratio over par unacceptable

What’s this program?

 Portfolio Bank Statement 

1) Lender Fee same as portfolio program;

2) Trust/Entity Review, if applicable $300;

3) TX Doc Review, if applicable $150;

4) Bank Statement Income LTV Max 65%;

5) Bank Statement – Interest Only Max LTV 60%;

6) Minimum Loan Amount $500,000;

7) Foreign National – Not Eligible;

8) 18-Month Pre-Payment Penalty is equal to 6 months interest.

 

 Portfolio DSCR 

1) Lender Fee same as portfolio program;

2) Trust/Entity Review if applicable $300;

3) TX Doc Review if applicable $150;

4) Minimum Loan Amount $500,000;

5) Foreign National – Not Eligible;

6) Minimum DSCR 1.000;

7) Loan Made to Natural Person – No Entity Borrowers;

8) 2-4 Unit Property Eligible and 5% Reduction in Max LTV/CLTVs on Matrix;

9) 18-Month Pre-Payment Penalty is equal to 6 months interest.

 

 Portfolio FN DSCR 

1) Lender Fee same as portfolio program;

2) Trust/Entity Review if applicable $300;

3) TX Doc Review if applicable $150;

4) Foreign National Review $250;

5) Minimum Loan Amount $500,000;

6) Minimum DSCR 1.000;

7) Interest Only – Not Allowed;

8) Power of Attorney – Not Allowed;

9) Pre-Payment Penalty (Investor only) is 18 months and equal to 6 months interest.

How to Calculate Portfolio DSCR?

DSCR shall be calculated as follows: DSCR = *Net Rental Income ÷ Qualifying Monthly Payment (P and I only);

*Net Rental Income = Gross Rents * (1 – Expense Factor);

Expense Factors: Property without HOA = 25%, Property with HOA = 30%;

Rent will be the lesser of: Current lease income or the amount on the 1007 provided by the appraiser showing the estimated market rent schedule.


Product detail pictures:

– AAA Lendings Portfolio Program – AAA Lendings detail pictures


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We understand that a mortgage is not just a financial transaction but a significant life decision. Our focus on customer-centricity means that we don't just consider the numbers; we consider your unique story, aspirations, and financial goals. Our mortgage experts take the time to understand your personal journey, ensuring that you receive a mortgage solution that aligns with your vision for the future. – AAA Lendings Portfolio Program – AAA Lendings , The product will supply to all over the world, such as: Barcelona , Somalia , Mumbai , Our company will adhere to Quality first, , perfection forever, people-oriented , technology innovationbusiness philosophy. Hard work to keep making progress, innovation in the industry, make every effort to first-class enterprise. We try our best to build the scientific management model, to learn abundant professional knowledge, to develop advanced production equipment and production process , to create the first-call quality products, reasonable price , high quality of service , quick delivery , to give you create new value .
  • Superb technology, perfect after-sales service and efficient work efficiency, we think this is our best choice.
    5 Stars By Carey from Finland - 2017.06.22 12:49
    The goods we received and the sample sales staff display to us have the same quality, it is really a creditable manufacturer.
    5 Stars By Sara from Macedonia - 2017.11.20 15:58